Submitted by soccergamer333 t3_11ej8a2 in personalfinance
Some background on myself: I'm 24, live in NYC, make a bit over $100k pre-tax and my credit score is 770. Most of my monthly spend is on groceries and restaurants.
A few months ago, the Unlimited Cash Rewards Visa Platinum Plus from BofA that I opened in March 2022 was automatically unsecured and my credit limit was increased from $1,000 to $3,000. This was my first ever credit card and I'm getting 1.5% cash back on all purchases. I'm now going into my second year of full-time work after college and am considering opening another credit card that has more benefits. I'm required to pay my rent via check, but don't plan on opening BILT card. If I get an Amex, I'd be the only person in my family with it, so I could expect additional travel/hotel benefits for these occasions. I don't plan on doing a ton of personal travel, but having the ability to get rewards for Delta and Marriott Bonvoy would be nice.
After some research I'm torn between (1) Amex Gold, (2) Capitol One SavorOne, and (3) Citi Premier for my second credit card. Any thoughts?
TwstdSista t1_jaefdt5 wrote
I would avoid Citi anything - they freeze accounts and withhold money, and they constantly lock me out of my online view for my credit card. I finally gave up and am cancelling the card. irreputable dirtbags.
I'm happy with my CapitalOne card.